Total and Permanent Disability (TPD) Benefit
Should TPD occur before the age of 65 or expiry of the certificate, whichever is earlier, a lump sum payment consisting of Sum Covered plus accumulated value in Participant Account (PA) together with Mudharabah will be payable. The disability must continue uninterruptedly for a period of at least 6mnth Note: For Sum Covered up to RM1 million, the TPD benefits shall be payable in a lump sum. The remaining of the Sum Covered (if any) will be payable one year after the first payment was made.

Terminal Illness Benefit
Upon diagnosis, lump sum payment consisting of Sum Covered plus accumulated value in Participant Account (PA) together with Mudharabah will be payable. Terminal Illness is defined as a condition that is expected to result in death of the Person Covered within 12 months. The Person Covered must no longer be receiving active treatment other than pain relief. Please refer to the Certificate for full definition of Terminal Illness.

Maturity Benefit
Upon completion of the certificate tenure by the surviving Person Covered, the accumulated value in the Participant Account (PA) including the Mudharabah plus allocated surplus from Participant Special Account (PSA) if any will be payable.

Annual Cash Payment
A Fixed Annual Cash Payment based on the percentage of Basic Annual Contribution* is payable throughout the certificate duration of 20 years.

Certificate Year

Annual Cash Payment(% of Basic Annual Contribution* Paid)

Year 1 - 10

5%

Year 11-20

10%

* Excludes extra contribution and rider contribution (if any)Annual contribution mode: Payable at the beginning of each certificate year.Other contribution modes: Payment to commence at the end of each certificate year, subject to full contribution received for each respective certificate year.